Lincoln National Corporation announced a partnership with Waterlily, an AI‑powered platform that predicts long‑term care needs and delivers personalized care forecasts, cost estimates, and product recommendations. The collaboration will make Lincoln’s hybrid life and long‑term care solutions available through Waterlily’s interface, broadening access for individuals and financial professionals.
Waterlily’s platform can evaluate millions of policy configurations in minutes, analyze medical information against carrier‑specific underwriting guidelines, and pre‑fill or skip over 70% of application fields. By integrating its products into this technology, Lincoln aims to enhance distribution efficiency and reach a wider audience seeking long‑term care planning.
The partnership aligns with Lincoln’s strategy to focus on higher‑margin, capital‑efficient growth. After reporting Q4 2025 adjusted operating income of $2.21 per diluted share and net income of $745 million, the company emphasized the importance of expanding its long‑term care footprint. Lincoln’s hybrid LTC solutions, such as MoneyGuard®, combine life insurance with long‑term care benefits, ensuring coverage regardless of whether care is ultimately needed.
Jared Nepa, head of Insurance Solutions Distribution at Lincoln Financial Distributors, said, "Waterlily's technology brings personalization and speed to the process, elevating our distribution strategy to help families navigate an important part of their financial future." Waterlily co‑founder and CEO Lily Vittayarukskul added, "Traditional financial planning tools have just not kept pace with the long‑term care complexity and uncertainty out there," and "Waterlily is addressing one of the single most critical gaps in financial security."
The partnership positions Lincoln to capture a growing market for long‑term care solutions, leveraging AI to streamline planning and improve customer experience. By partnering with a platform that has already secured collaborations with other major carriers, Lincoln strengthens its competitive position and supports its broader goal of delivering capital‑efficient, high‑margin products to a broader customer base.
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